Why Home Protect Lite?

Comprehensive Coverage

Comprehensive Coverage

Receive protection for fire, lightning, natural disasters, and more.

24/7 Support

24/7 Support

Access round-the-clock assistance during any emergency.

Local Expertise

Local Expertise

Benefit from insurance coverage tailored for Sri Lankan homeowners.

Affordable Premiums

Affordable Premiums

Enjoy extensive coverage at competitive rates to fit your budget.

More Information about Home Protect Lite

What's Covered

  • Fire / Lightning
  • Explosion
  • Malicious damage by any person
  • Natural Perils (Cyclone, Storm, Tempest, Flood, Earthquake, Tsunami)
  • Electrical short circuiting
  • Water tank bursts/Overflowing & pipe leaks
  • Aircraft damage
  • Impact damage
  • Burglary & forced entry damages contents only (As fully described in the Home Protect Lite standard policy of Sri Lanka Insurance General Ltd.)

Plans & Premiums

Limits of Liability Plan 01 Plan 02 Plan 03 Plan 04 Plan 05
Building, permanent fixtures & fittings 0.75 Mn 1.5 Mn 2.25 Mn 3 Mn 3.75 Mn
Contents Excluding personal effects such as jewellery, money & professional equipment 0.25 Mn 0.5 Mn 0.75 Mn 1 Mn 1.25 Mn
Sub-limit — Removal of Debris 25,000 25,000 25,000 25,000 25,000
Sub-limit — Professional Fee for Reinstating the Building 25,000 25,000 25,000 25,000 25,000
Sub-limit — Burglary 25,000 25,000 50,000 75,000 100,000
Sub-limit — Electrical Damage Cover 25,000 25,000 50,000 75,000 100,000
Total Sum Insured 1 Mn 2 Mn 3 Mn 4 Mn 5 Mn
Annual Premium (incl. tax) LKR 1,900 LKR 2,500 LKR 3,400 LKR 4,300 LKR 5,300

* All amounts are in Sri Lankan Rupees (LKR).  |  Subject to no losses in the past 10 years.

Deductible: 10% or Rs. 5,000 per claim — whichever is higher.

Conditions & Eligibility

Conditions
  • Building must be used solely as a private residence.
  • Acceptable security measures must be in place.
  • Property must be in a good state of repair.
  • Construction must be brick, concrete, or cement with tiled or concrete roof.
Eligibility
  • Policyholder must have insurable interest in the property.
  • Must comply with Sri Lankan insurance laws.
  • Property must be located within Sri Lanka.
  • All risk details must be accurately disclosed.

Ready to protect your home?

Get started with Home Protect Lite — affordable premiums, comprehensive coverage, peace of mind.

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